Mortgage Loans in Ouray County, CO — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Ouray County.
About Ouray County
Ouray County is a scenic box canyon county encompassing Ouray and Ridgway — elevated FHA limits and a growing remote-worker appeal driven by outdoor recreation and arts culture. Tayton Capital serves buyers throughout Ouray County, including Ridgway, and Ouray. Median home prices across the county range from $695,000 to $785,000, with FHA limits above the state floor at $750,950, giving first-time buyers meaningful additional purchasing power.
2026 Loan Limits — Ouray County, CO
Ouray County uses the standard Colorado conforming baseline of $832,750, covering the vast majority of purchase transactions. FHA buyers benefit from an elevated county limit of $750,950, which is $209,663 above the Colorado floor of $541,287. This provides meaningfully more purchasing power than buyers in floor-limit counties, particularly for 3.5% down FHA borrowers. VA loans carry no county cap for borrowers with full entitlement. Loans above $832,750 require jumbo or non-QM financing.
| Loan Type | 2026 Limit |
|---|---|
| Conforming / High-Balance | $832,750 |
| FHA | $750,950 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Ouray County FHA limit is above the state floor, giving FHA buyers additional purchasing power.
Mortgage Programs in Ouray County
Conventional up to $832,750 — standard pricing, 3–5% down for qualifying buyers
FHA up to $750,950 — 3.5% down, flexible credit starting at 580 FICO, no income limit
VA — 0% down, no PMI, no county limit for full-entitlement veterans
Jumbo — available above $832,750 for purchases exceeding the conforming limit
DSCR Investor — qualify on rental income, close in LLC, no W-2 or tax returns required
CHFA (Colorado) — down payment assistance, reduced PMI, income-limit programs for qualified buyers
Cities We Serve in Ouray County, CO
Ouray County Mortgage FAQ
What are the 2026 loan limits in Ouray County, CO?＋
The 2026 conforming loan limit in Ouray County is $832,750. The FHA limit is $750,950. VA loans have no county cap for borrowers with full entitlement. Loans above $832,750 require jumbo financing. These limits are set by FHFA (conforming) and HUD (FHA) and apply throughout all of Ouray County.
Does Tayton Capital serve all cities in Ouray County?＋
Yes — Tayton Capital is licensed in Colorado and serves the entire Ouray County area. This includes Ridgway, Ouray. We close loans for buyers in every city and unincorporated community throughout Ouray County.
What mortgage programs are available in Ouray County?＋
Buyers in Ouray County have access to conventional, FHA, VA, jumbo, DSCR, and USDA loans depending on location and eligibility. FHA is particularly popular for first-time buyers with the $750,950 county limit. DSCR loans are available for investors without requiring W-2 income documentation.
Are there down payment assistance programs in Ouray County, CO?＋
Yes — Colorado Housing and Finance Authority (CHFA) offers down payment assistance for Ouray County buyers. CHFA programs include the CHFA Advantage (conventional, no PMI with qualified buyers), CHFA FHA, and down payment assistance grants or second mortgages. Income and purchase price limits apply and change annually — visit chfainfo.com or contact us for Ouray County's current limits.
Ready to Buy or Refi in Ouray County?
Tayton Capital is licensed in Colorado and serves every city in Ouray County. Get pre-approved today — same-day response.
More Colorado Counties
- San Miguel County · Conforming $994,750
- Grand County · Conforming $883,200
- Boulder County · Conforming $879,750
- Arapahoe County · Conforming $862,500
- Adams County · Conforming $862,500